The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$53,789
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,462
−HK$1,700/mo
Today · 4.125%
HK$57,162
baseline
▲ 0.50% · 4.625%
HK$60,640
+HK$3,478/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,324/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,839
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,444
−HK$1,628/mo
Today · 4.125%
HK$63,072
baseline
▲ 0.50% · 4.625%
HK$66,397
+HK$3,325/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,144/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,546
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,554
−HK$2,040/mo
Today · 4.125%
HK$68,594
baseline
▲ 0.50% · 4.625%
HK$72,768
+HK$4,174/mo
Deposit HK$9.44M · loan HK$14.15M · min. income ≈ HK$137,188/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,807
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,733
−HK$1,954/mo
Today · 4.125%
HK$75,687
baseline
▲ 0.50% · 4.625%
HK$79,676
+HK$3,989/mo
Deposit HK$9.44M · loan HK$14.15M · min. income ≈ HK$151,374/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,304
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,647
−HK$2,379/mo
Today · 4.125%
HK$80,026
baseline
▲ 0.50% · 4.625%
HK$84,896
+HK$4,870/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$160,052/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,775
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,022
−HK$2,279/mo
Today · 4.125%
HK$88,301
baseline
▲ 0.50% · 4.625%
HK$92,956
+HK$4,655/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$176,602/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,820
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$99,831
−HK$3,060/mo
Today · 4.125%
HK$102,891
baseline
▲ 0.50% · 4.625%
HK$109,152
+HK$6,261/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$205,782/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,711
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,600
−HK$2,930/mo
Today · 4.125%
HK$113,530
baseline
▲ 0.50% · 4.625%
HK$119,515
+HK$5,985/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$227,060/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,528 · Scale 2, in force from 26 Feb 2026)